Auto Insurance Claims
Can you claim bodily injury from your insurance if you are not at fault?
Asked in Auto Insurance Claims, Auto Accidents
Can you claim bodily injury from your insurance for a car accident in which you were found at fault?
If you had medical coverage, you can. You cannot claim bodily injury against your own policy for yourself because you cannot be liable to yourself. Bodily injury coverage falls under the liability portion of your policy, for injury to others caused by you or the driver of your vehicle. You must carry PIP or MEDPAY for your own injuries. In the UK - the law is based on fault. Namely the driver at fault pays for the injury and vehicle damage to the innocent road user. Motor insurance is compulsory as this pays the liability of the driver at fault. So you cannot claim for bodily injury from your own insurance as you would be claiming against yourself - but if your motor policy was comprehensive you can claim from your own insurer for vehicle damage - subject to an excess. See the related link entitled "car driver injury claims" for a full explanation as to when a car driver can claim and when a car driver is considered liable.
Will your health insurance cover bodily injury in a car accident?
Asked in Insurance, Auto Insurance Claims
Can other drivers claim bodily injury from your insurance for a car accident in which driver is found at fault?
No drivers license no insurance accident was not my fault can i claim?
What happens if you are driving an uninsured car and you get into an accident and it was not your fault?
Do you need to file a claim with your auto insurance if you wish to seek medical coverage for the injuries sustained?
Will I get paid for body injuries under no-fault insurance?
The answer for this question is very complex and it depends upon the injury. If your at the No-fault state and you have no-fault insurance the insurance will cover general damages such as pain and suffering. The section of your policy that covers the bodily injuries (and your bodily injury claims) in a no-fault state is called Personal Injury Protectin or PIP. Although different states cover different things, in general, PIP covers your medical bills, lost wages, funeral costs and death benefits up to your policy limits. No-fault insuranc coverage can be very complex and you may want to consult a Personal Injury Lawyer to help you through the process.
Asked in Insurance, Auto Insurance, Liability Insurance
What two states that do not require liability insurance?
Auto insurance coverages fall into some broad categories. They are, in general, Medical Payments, Collision, Comprehensive, Liability (Bodily Injury and Property Damage), Uninsured/Underinsured Motorist, Rental Car, and, if you live in a no-fault state, Personal Injury Protection (PIP). BODILY INJURY LIABILTY INSURANCE. All states require bodily injury liability insurance, except for Florida (a no-fault state) and New Hampshire. As of June 1, 2010, Wisconsin now also requires bodily injury liability insurance. PROPERTY DAMAGE LIABILITY INSURANCE. Property damage liability coverage addresses the costs of damages to the other driver's vehicle or property should you be involved and found at-fault for an auto accident. Commonly, property damage liability insurance also covers the damage caused by other authorized drivers of your vehicle. Currently, all states require property damage liability insurance.
Asked in Auto Insurance Claims
Who is liable for medical treatment cost when the accident was not your fault and 3rd party have admitted liabillity?
Can the driver at fault file a claim to his own insurance for bodily injury under his uninsured motorist portion of his policy if he was driving a friend's vehicle who had no insurance coverage?
No. Insurance follows the vehicle primary, driver secondary. Since the driver is at fault and there is no coverage under the vehicle itself, the drivers policy would pay for any bodily injury or property damage he may have caused. Therefore uninsured motorist coverage would not apply. The only way that driver would have coverage for himself is if he already had Med Pay coverage on his own policy.
In a NJ accident with a NJ driver at fault and a PA driver which policy covers the Bodily INJury claim?
All insurance policys must conform to the laws of the state that the vehicle is being driven/wreck in. Whom ever is at fault for the loss, their policy will cover the injured party. If the N.J. driver is at fault then their policy will pay the injured PA driver under the N.J. policys bodily injury coverage. Subject to the rules of the state..Is it a p.i.p. state? If so the thresold must be eclipsed.
Asked in Cars & Vehicles
What are the benefits of Florida no fault car Insurance?
Florida's no fault car insurance pertains to medical payments. The insurance states that the insurance company will pay for your bodily injury claims regardless of who was at fault for the accident. Damage done to property (i.e. the car) would still be covered by the at fault party. The Florida no fault car insurance is a benefit because one does not have to worry about not having their medical needs covered because the accident was the fault of the other party and they do not have sufficient insurance.
I just found out that i have no insurance and had an accident but other person is at fault?
Asked in Auto Insurance Claims
Which of these protects a person who is at fault in an accident against lawsuit?
Asked in Auto Insurance Claims
Which of these protects a person who is at fault in an accident against lawsuits?
What does uninsured motorist and under insured motorist insurance cover?
Uninsured motorist coverage pays damages for bodily injuries when the at-fault driver or owner of a vehicle has no bodily injury liability coverage. It pays an amount up to the amount purchased by the insured, and is generally not a required coverage. In those states that utilize a comparative negligence rule of determining fault for a collision, the amount that the inured party can recover is reduced by the amount of liability attributable to him/her. In that respect, it operates similarly to the evaluation of the injury and damages if the at-fault party did have bodily injury liability coverage. Underinsured motorist coverage serves essentially the same purpose. However, it is triggered when the at-fault party's bodily injury liability coverage is less than the injured party's uninsured motorist coverage. Further, in order to be triggered, the "value" of the injury must exceed the liability coverage of the at-fault party.
Asked in Homeowner's Insurance, Medical Insurance
Can you make an insurance claim and someone else make a homeowner insurance claim after an injury that required medical attention occurs at their home?
Accidental injuries are best covered under your Health Insurance Policy. Home owners insurance is designed to cover a residence. It's property lines coverage. The home insurance policy typically provides very little coverage if any at all, for household injuries that fit the terms of the policy, where as your medical insurance will have no limit on coverage and it does not matter where the injury occurred. In order to claim against the homeowner you will need to be able to prove that it was the homeowners fault you were injured. Just being the owner of the home does not make them liable for your injury, Your medical insurance does not care who's fault the injury was, nor do they care how or where it happened or who's fault it might have been.
What is the standard policy for minors who are passengers in auto accidents and who gets the claim?
Asked in Auto Insurance, Auto Insurance Claims
Will an unisured driver get a ticket if they are in a wreck?
You will be cited by the police. The amount of the citation varies from state to state. If you are at fault for the accident, the other person's insurance company will come after you for reimbursement for what they paid out. If the other party is injured, they will use their Uninsured Motorist Coverage. The insurance company will seek reimbursement from you for the injuries as well. If you are not at fault, you could still file a claim against the other party's insurance. In some states however, there is a No Pay, No Play statute. This allows you to recover for your economic damages only. You could not file a claim for Bodily Injury. When you DO decide to get insurance your rates will be higher due to the accident even if you weren't at fault.
Always Carry Adequate Bodily Injury Liability Protection?
Liability car insurance protects drivers against costs incurred for treatment of bodily injury or for property damage. Injuries sustained to a non-fault individual are covered by the at-fault driver's policy. Each state has its own minimum coverage requirement for bodily injury protection as well as minimum protection amounts to cover the cost of repairs to other vehicles and personal property. Definitions Of Non-Fault If a driver causes an accident and is injured, his or her own liability policy will not cover the medical costs. Other passengers riding in the vehicle are considered victims and can file a claim with the driver's insurance company. Damage to the driver's car is not covered by liability either. If the driver carries collision insurance the claim for repairs to his or her vehicle would be taken care of by this coverage. Many insurance shoppers wonder about the limits for bodily injury liability protection. A policy can be written for the minimum amount required by state law, however this protection amount may not adequately cover medical costs for non-fault parties. Drivers must carry a certain amount of protection to cover bodily injuries suffered by a single non-fault individual, but also must carry a minimum amount to cover the costs of injuries sustained by all non-fault individuals involved in the same accident. Adequate Protection Required Many states have minimums of about $20,000 in bodily injury protection per accident. If several non-fault individuals suffer serious injuries caused by the insured, total medical costs could easily exceed this amount. Most insurance boards and transportation safety experts recommend carrying at least $50,000 in bodily injury liability car insurance. If the costs of medical bills is far higher than the amount of protection a driver carries, injured parties may bring a civil suit against the insured to claim the difference. This can become a costly legal affair for both parties. One means of protecting against this possibility is to obtain gap insurance or personal injury protection insurance. Shopping For The Right Policy Drivers and vehicle owners are encouraged to learn the minimum amounts of liability insurance required by their state. When shopping online for auto insurance customers should consider purchasing liability protection exceeding the state minimum. Quite often a quote will be given that requires only a few dollars more per month in premiums when this bodily injury protection is doubled. Money can also be saved by combining liability and collision insurance with personal injury protection. This type of coverage is required in some states.